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Home > Law Advice > Long Term Care > Comparing Long Term Care Insurance Worksheet
Long Term Care
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Worksheet for Comparing Long Term Care Plans

Shopping for a long term care insurance policy can quickly become confusing
and overwhelming. If you don't approach the process with an organized plan, you are likely to
take the easy way and go with the product sold by the agent with the best sales pitch, or you may
give up without buying a policy. Neither is a good choice.

The three worksheets below provide
most, if not all, of the questions you should be asking regarding long term care. The worksheets
also provide space to record the answers for all of the policies you may be considering, whether
with the same company or with competing companies. This will provide you with a clear picture of
the differences between the policies you are considering, which should make your decision easier.
You may wish to modify this form and add questions of your own. The point is it does provide a
useful starting point to help you make this very important decision.

Insurance company
information
Policy #1
Policy #2

1. Name of insurance
company

2. Is the company licensed in your state?

3. Name
of insurance agent

4. Is the agent properly licensed?

5.
Insurance company financial ratings

(such as: A.M. Best; Moody’s;

Standard $ Poor’s; Weiss)

Levels of care covered by the policy

6. Does the policy provide benefits for these levels of care? a.
Skilled nursing care? ___________ ___________

b. Personal/Custodial care?
___________ ___________

(In many states, both level of care are required.)

7. Does the policy pay for any nursing home stay, no matter what level of care
you receive?

8. If not, what levels are not covered?

align="left">Where can you receive covered care?

9. Does the
policy pay for care in any licensed facility?

10. If not, what does it not pay
for?

11. Does the policy provide home care benefits for:

align="left"> a. Skilled nursing care?

b. Personal care given by home health
aides?

c. Homemaker services?

d.
Other__________________ ?

12. Does the policy pay for care
received in:

a. Adult day care centers?

b.
Assisted living facilities?

c. Other settings: _________________

align="left">_________________

_________________




Related Information
» Long Term Care Insurance Articles
» Buying Long Term Care Insurance
» Problems, Denials and Lawsuits
» Sample Long Term Care Policy and Provisions
» What to Look for in a Long Term Care Policy
» Who Needs Long Term Care Insurance

Topics Related To Long Term Care
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» Business Insurance
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» Life Insurance Law
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» Viaticals
 
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